Personal Health Insurance in Texas

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Personal Health Insurance in Texas

Also providing insurance to residents in Colorado, Kansas, New Mexico, and Oklahoma

What is personal health insurance?

Unexpected medical needs and rising healthcare costs can be a significant financial burden. Personal health insurance provides Texas residents with a financial safeguard against covered medical costs, often helping them handle expenses related to routine prescriptions, visits to the emergency room, chronic disease management, and more.

Personal health insurance assists with paying covered medical expenses. These can range from preventative care, to acute care and chronic treatment.

Who in Texas needs private health insurance?

Almost all Texas residents should have health insurance coverage. Private health insurance may provide coverage when employer and government plans aren’t available.

For many residents, health insurance is indeed available through an employer or the government. Employer-sponsored plans, Medicare and Medicaid are normally preferable primary health insurance plans if they’re available. When such plans aren’t available, however, private health coverage is frequently the best option.

Additionally, some residents purchase private health coverage to supplement an employer or government plan. This is especially common when supplementing Medicare coverage with a Medigap policy.

Residents who would like to explore their health coverage options can discuss available plans with an insurance agent who specializes in health coverage. A knowledgeable agent will be familiar with employer and government plans, and know how to get coverage even if these aren’t available or if they need to be supplemented with a private plan.

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Personal Health Insurance Texas

What is a high-deductible health plan?

A high-deductible health plan (HDHP) usually comes with a higher deductible, and can be paired with a health savings account (HSA).

Under an HDHP, an individual’s out-of-pocket expenses for routine appointments, prescription medications, and most minor treatments may be significant. However, these plans generally provide coverage if more expensive medical care is needed. 

In order to help offset the out-of-pocket payments for basic and minor care, the policyholder can accrue savings in an HSA. The funds kept in an HSA offer tax advantages when used for eligible medical expenses, and can be invested so they hopefully grow over time.

Personal Health Insurance Texas

What’s a healthcare network?

Most health insurance plans, including employer, government and private plans, have networks of healthcare providers. Seeing a provider who’s in-network will often result in lower out-of-pocket costs and/or better coverage from the plan. 

It’s important to consider the availability of in-network providers nearby when considering any plan. 


Does private health insurance cover dental and vision insurance?

Dental and vision care typically fall outside the ambit of private health insurance. Although health insurance may cover dental or vision procedures necessary because of a significant trauma, routine dental and vision care is generally covered by specific dental and vision insurance policies.

Dental and vision policies are usually purchased separately from health coverage. An insurance agent who’s familiar with health insurance can likely assist with dental and vision too, though.

Personal Health Insurance Texas

How much does private health insurance cost?

The premiums for health insurance policies can vary significantly, as they’re influenced by a multitude of factors. Everything from an individual’s age, gender, and personal information, to the deductibles, coverages, and limits of a policy, typically affects rates.

To understand how much health insurance might cost in a specific situation, residents can work with an experienced insurance agent. An agent can help determine the appropriate coverage, deductibles, and limits for a policy, and compare options that meet these criteria.

How can Texas residents obtain personal health insurance?

If you need assistance with personal health insurance, contact the independent insurance agents at Kirk Insurance Agency. Our agents can help you explore coverage options from multiple insurance companies that offer policies in Texas, assisting you in finding a policy that provides the protection you and any immediate family members need.

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